In regards to health insurance, employees age 65 or older are typically required to?

In health insurance, employees age 65 or older are typically required to be offered the same group health benefits that are provided to younger employees. This ensures that older employees are not discriminated against based on their age and that they have access to the same level of health care benefits as their younger counterparts. The Equal Employment Opportunity Commission (EEOC) enforces regulations that prohibit age discrimination in employment practices, including benefits.

The requirement to offer the same group health benefits is essential in promoting equity in the workplace, allowing older employees to maintain their health insurance coverage without facing additional barriers simply due to their age. Many employers may choose to provide coverage that works in conjunction with Medicare, but the overarching rule is the equal offering of benefits to prevent age-based discrimination.

Choosing Medicaid or Medicare as primary providers is more about the coordination of benefits and eligibility criteria rather than a mandatory selection due to age. Providing evidence of insurability typically applies to individual insurance situations rather than group health plans, where everyone qualifies for benefits without the need for such evidence.